I had to make a claim with Policy expert in January 2015. It took over nine months to settle and only then because I put a formal complaint into the financial ombudsman (we got compensated for the way our case had been handled). The claims handler from policy expert was the rudest most ignorant person I have ever dealt with and called me a liar....after my complaints he was taken off the case.... They are great and cheap when you take out a policy but be careful.....if you have to claim read all the negative reviews.....it ain't worth it to save a few pounds if you get a company that will try anything to avoid having to pay out..